we think just doing a few additional things we'd be at 9.5 today. fully phased in. we already have that level. we're going hit 9.5 at one point next year. we'll have huge capital generation over that. in february, we're going to tell our investors we're going to reallocate capital, buy line of business. we're going to reallocate the liquidity. it will affect our return targets. we can still have return. >> i guess i'm trying to figure out, is the fed being, you know, stricter? is the fed being, you know, more aggressive here? you know, what should we expect in terms of your capital strategy given the current economic backdrop? we know we have an anemic backdrop, ongoing regulatory scrutiny among regulators, ongoing elevated legacy mortgage related costs. that's what investors want answered. >> we support a lot of these changes, not all of them. we have a great company.